Core coverage
Medical treatment for work-related injuries and illness, a portion of lost wages, disability and rehabilitation benefits, and death benefits — plus employer's liability protection against related lawsuits.
Workers' Compensation · Carrollton & DFW
Workers' Compensation tailored for North Texas.
Protect your employees and your business when injuries happen on the job.
Independent agency
Workers' Compensation
- 200+ A-rated carriers
- Plain-English comparisons
- Dedicated local advisor
- Annual renewal reviews
What it covers
Protection built for real driving situations.
Flexible limits
Limits and deductibles matched to your assets and budget—not a one-size template.
Local guidance
A dedicated Carrollton advisor who knows your file at renewal and claim time.
Why it matters
The right limits protect more than the policy name suggests.
Texas is the only state where most private employers can opt out of workers' comp — but going without it removes key legal protections and exposes you to civil suits with no cap.
Who needs it
Built for how you actually live and drive.
Who this fits
Any business with employees, especially in construction, manufacturing, retail, and trades. Many clients and general contractors require proof of coverage before they'll work with you.
DFW households
Families and professionals across Carrollton, Richardson, Plano, and Dallas.
Growing needs
Coverage that scales when assets, staff, or properties change.
Switching carriers
We re-shop at renewal so you are not auto-renewed into a higher rate.
Common mistakes
Gaps we see on policies every week.
Avoid these before renewal—or before a claim teaches the lesson the hard way.
Opting out to save premium without understanding the liability, misclass
Opting out to save premium without understanding the liability, misclassifying workers, underreporting payroll, and treating 1099 contractors as automatically exempt.
How we help
How Curtis Caster helps
We classify your payroll correctly, compare carriers that fit your industry, and structure coverage that satisfies your contracts — while explaining the real tradeoffs of Texas's opt-out rules.
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Discovery
30-min conversation: assets, goals, risk tolerance.
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Risk mapping
Document exposures across life, property, business, and liability.
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Structured options
Three carrier options compared on coverage, price, and limits.
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Annual reviews
Re-evaluated yearly and whenever your situation changes.
FAQ
Workers' Compensation — questions we hear most.
Is workers' comp required in Texas?
For most private employers, no — Texas is the only opt-out state. But opting out strips away legal protections and leaves you open to injury lawsuits, so it's rarely the right call once you have employees.
Do I need it for 1099 contractors?
Sometimes. Misclassified workers and uninsured subcontractors can still trigger claims against you. We review your roster to find the real exposure.
How is my premium calculated?
Primarily on payroll and job classifications. Correct classification is where most businesses overpay or under-insure — we get it right.
Get started
Request your free workers' compensation quote.
Most requests receive a response within one business day.
- No obligation
- No spam
- Licensed Texas advisors
Prefer to call? (214) 619-1700
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